0% Introductory Annual Percentage Rate (APR)* for 12 months on purchases and balance transfers, then 15.99% - 22.99% variable APR*

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Get 3% cash back on dining, gas1, and grocery purchases

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Get 1% unlimited cash back on all other purchases

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$0 annual fee*

Enjoy these additional card benefits:

  • 0% APR for 12 months on Purchases and Balance Transfers, then 15.99% - 22.99% variable APR*
  • Concierge and travel services
  • Redeem your Cash Back Rewards at any time in increments of $25 for a statement credit or direct deposit to any checking or savings account2
  • SecureSuite™ protects you with:

  • 24/7 fraud monitoring
  • Identity theft resolution3
  • Zero liability for unauthorized transactions4
  • Emergency card replacement
  • Manage your card online 24/7

  • Temporarily lock and unlock your card
  • Set travel alerts
  • View your statements
  • Activate your card
  • Order a replacement card
  • Change your PIN
  • Make a balance transfer
  • Dispute a transaction
  • Learn more
  • What you need to apply

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

    Questions? Want to apply by phone?

    Call 1-866- 269-2327
    TTY 1-800-659-5495

    Convenient online card management

    Manage your credit card with your mobile phone, tablet or computer 24/7. Learn more

    Already have a Bank of the West Credit Card?

    Log in to manage your card or make an online payment.

    Legal information and Disclosures

    Credit cards subject to credit approval. Certain fees and restrictions may apply. Refer to Cash Back Rewards Program Rules for more details about qualifying purchases that earn Cash Back.

    1Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% additional Cash Back on top of the 1% Base Cash Back) include: groceries (representing grocery stores/supermarkets, freezer/meat provisioners, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back. While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of the West does not control how the purchases are classified. Some purchases may not fall into the category where you might expect them to appear.

    2Cash Back Rewards have no cash or any other value until redeemed as a statement credit or direct deposit to a checking or savings account. The Bank of the West Rewards program is subject to the current Cash Back Rewards Program Rules.

    3Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders.

    4For more information about Zero Liability protection, refer to www.Mastercard.us/zero-liability.html. Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply — please see your Guide to Benefits for details.

    Mastercard and the Mastercard Brand Mark are registered trademarks.